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Last Updated: [01/10/2020]

1. Instapay Fees and Charges

   1. Instapay E-Wallet
   2. Instapay Prepaid Mastercard

      Type of Fee	Fees and Charges
      Joining fee	RM15.00
      Annual fee /maintenance Fee	RM8.00 (the fee will only be imposed if there is no transaction in the account)
      Reload Wallet Fee	1) Financial Processing Exchange (FPX) – RM1.00 per reload 2) Authorised Agent-RM2.00 per reload 3) Instapay Initiated Salary Credit- NIL
      ATM Withdrawal Fee (Participating Banks in Malaysia) -for withdrawal from Instapay E-Wallet through Instapay Mastercard	RM1.00
      International ATM Withdrawal Fee	RM10.00 per transaction or 2% of withdrawal amount, whichever is higher.
      Card Replacement Fee (Only applicable to Instapay Mastercard)	RM20.00 (Only applicable for card replacement request made by customer, not due to defect of chip/card)
      Sales Draft Retrieval Fee	RM15.00

2. Instapay services provided free.

   1. Instapay E-Wallet

      Transfer from Wallet to Wallet
      Transfer out to bank
      Balance enquiry
      Closing of E-Wallet Account
      Statement request (only electronic statements available)
      PIN change and PIN regeneration

   2. Instapay Prepaid Mastercard

      Starter pack
      Payment fees for purchases online and in retail outlets
      Card cancellation